UniBank
SBA 7(a) Lending Profile · FY 2022 analysis
Industry Focus
Top industries served by UniBank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 454210 | Vending Machine Operators | 632 | $398.4M | $630K | 42.9% |
| 447110 | Gasoline Stations with Convenience Stores | 168 | $336.2M | $2.0M | 11.4% |
| 211120 | Other | 128 | $182.3M | $1.4M | 8.7% |
| 722511 | Full-Service Restaurants | 120 | $46.2M | $385K | 8.2% |
| 722513 | Limited-Service Restaurants | 104 | $35.3M | $340K | 7.1% |
| 721110 | Hotels (except Casino Hotels) and Motels | 80 | $222.7M | $2.8M | 5.4% |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 64 | $49.6M | $775K | 4.3% |
| 445120 | Convenience Stores | 16 | $6.3M | $392K | 1.1% |
| 811192 | Car Washes | 16 | $23.8M | $1.5M | 1.1% |
| 441120 | Used Car Dealers | 16 | $10.4M | $648K | 1.1% |
Geographic Distribution
SBA lending activity for UniBank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Washington (WA) | 616 | $727.6M | 41.8% |
| Texas (TX) | 136 | $118.0M | 9.2% |
| Georgia (GA) | 104 | $96.2M | 7.1% |
| Oregon (OR) | 48 | $84.3M | 3.3% |
| California (CA) | 112 | $77.8M | 7.6% |
| Florida (FL) | 56 | $70.4M | 3.8% |
| Idaho (ID) | 32 | $64.0M | 2.2% |
| Alabama (AL) | 40 | $48.0M | 2.7% |
| Wyoming (WY) | 24 | $28.8M | 1.6% |
| Michigan (MI) | 24 | $22.7M | 1.6% |
| Illinois (IL) | 32 | $20.1M | 2.2% |
| Missouri (MO) | 24 | $20.0M | 1.6% |
| Indiana (IN) | 16 | $17.8M | 1.1% |
| Arizona (AZ) | 16 | $15.2M | 1.1% |
| Virginia (VA) | 24 | $13.1M | 1.6% |
| Tennessee (TN) | 16 | $11.7M | 1.1% |
| Mississippi (MS) | 8 | $9.2M | 0.5% |
| South Carolina (SC) | 16 | $8.1M | 1.1% |
| North Carolina (NC) | 16 | $7.1M | 1.1% |
| Colorado (CO) | 16 | $6.0M | 1.1% |
| West Virginia (WV) | 8 | $5.6M | 0.5% |
| Minnesota (MN) | 8 | $4.8M | 0.5% |
| New Jersey (NJ) | 16 | $3.9M | 1.1% |
| New York (NY) | 16 | $3.4M | 1.1% |
| Pennsylvania (PA) | 16 | $3.3M | 1.1% |
| Nevada (NV) | 8 | $2.4M | 0.5% |
| Maryland (MD) | 8 | $2.1M | 0.5% |
| Ohio (OH) | 8 | $2.0M | 0.5% |
| Louisiana (LA) | 8 | $1.6M | 0.5% |
Why Choose UniBank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,472 SBA loans approved, totaling $1.50B in financing
- ✓Industry Expertise: Specialized focus on Vending Machine Operators, Gasoline Stations with Convenience Stores, Other
- ✓Competitive Terms: Average interest rate of 5.88% with flexible term lengths averaging 167 months
- ✓Loan Range: Loan sizes from $75K to $5.0M, with an average of $1.0M
- ✓Nationwide Reach: Active lending in 29 states, with strong presence in WA, TX, CA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about UniBank SBA lending
What types of businesses does UniBank typically finance?
UniBank specializes in SBA 7(a) lending to specific industries including vending machine operators, gasoline stations with convenience stores, other, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are UniBank's typical SBA loan terms?
UniBank's SBA 7(a) loans typically feature an average interest rate of 5.88% and average term length of 167 months (approximately 14 years). Loan sizes range from $75K to $5.0M, with an average loan size of $1.0M.
Do I need a business valuation for a UniBank SBA loan?
Yes, UniBank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does UniBank compare to other SBA lenders?
UniBank has originated 1,472 SBA loans totaling $1.50B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does UniBank lend in?
UniBank provides SBA 7(a) financing with particularly strong presence in WA, TX, CA, GA, FL. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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Professional valuations are often required for SBA loans over $250,000.
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